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FISV · Q2 2026
Archived report (Q2 2026). Latest deep dive →
The quarter in brief
Revenue fell 4.1% y/y to $5.29B, operating margin 19.2% vs 30.7%, net income $627M (−38.9% y/y).
Net income attributable to Fiserv
$627M
down 38.9% y/y
Total revenue
$5,292M
down 4.1% y/y
Operating income
$1,015M
down 40.2% y/y
All figures in $M.
| Line item | Amount and change |
|---|---|
| Processing and services | $4,292 · −0.3% |
| Product | $1,000 · −17.5% |
| Total revenue | $5,292 · −4.1% |
| Cost of processing and services | $1,706 · +20.8% |
| Cost of product | $689 · −0.7% |
| Selling, general and administrative | $1,888 · +10.3% |
| Net (gain) loss on sale of assets | $6 · vs −$3 |
| Operating income | $1,015 · −40.2% · 19.2% margin |
| Interest expense, net | $370 · +1.4% |
| Gain on early debt extinguishment | $154 · vs $0 |
| Other expense, net | $24 · −38.5% |
| Income before income taxes and income (loss) from investments in unconsolidated affiliates | $775 · −40.0% |
| Income tax provision | $156 · −36.6% · 20.1% effective rate |
| Income (loss) from investments in unconsolidated affiliates | $11 · vs −$16 |
| Less: net income attributable to noncontrolling interests | $3 · −25.0% |
| Net income attributable to Fiserv | $627 · −38.9% · $1.17/sh · 11.8% margin |
Verdict: revenue fell 4.1% y/y to $5.29B, operating margin 19.2% vs 30.7%, net income $627M (−38.9% y/y).
Source and notation
Source: Fiserv press release, 8-K EX-99.1 of 08/06/2026 (SEC EDGAR). Every figure was matched against the income statement in the release and checked against SEC XBRL.
Open as an image: FISV, Q2 2026 (PNG) ↗ · for sharing and presentations · free to reuse, CC BY 4.0
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Chart: “FISV Q2 2026: where the revenue went” by Who Reports Today, https://whoreportstoday.com/t/fisv/q2-2026. Licensed under CC BY 4.0.
<figure> <a href="https://whoreportstoday.com/t/fisv/q2-2026"><img src="https://whoreportstoday.com/t/fisv/q2-2026/sankey.png" alt="FISV Q2 2026: where the revenue went" loading="lazy" style="max-width:100%;height:auto"></a> <figcaption>Source: <a href="https://whoreportstoday.com/t/fisv/q2-2026">Who Reports Today</a>, licensed under <a href="https://creativecommons.org/licenses/by/4.0/">CC BY 4.0</a></figcaption> </figure>
https://whoreportstoday.com/t/fisv/q2-2026/sankey.png
<a href="https://whoreportstoday.com/t/fisv/q2-2026">FISV Q2 2026 earnings chart (Who Reports Today)</a>
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- Operating income was $1.02B, a 19.2% margin vs 30.7% a year earlier.
- The effective tax rate was 20.1% vs 19.0% a year earlier.
- Diluted EPS was $1.17 vs $1.86 a year earlier.
What distorts the picture in this report and what to watch beyond the headlines.
FISV — a payments and financial technology company that serves merchants, banks, credit unions and other institutions.
It earns mostly recurring account- and transaction-based fees in two segments: Merchant Solutions (card acquiring and processing, e-commerce, the Clover point-of-sale platform) and Financial Solutions (account processing, digital banking, card issuer processing and payment networks). · Source: annual report (Form 10-K, SEC)
Heads-up
- net income fell 39% y/y in Q2 2026
- revenue fell 4% y/y in Q2 2026
Net income for Q2 2026: $627M, −39% y/y. In the report's figures: revenue −4% y/y; costs grew faster than revenue: cost of processing and services +21% y/y, selling, general and administrative +10% y/y. Based on the Q2 2026 report.
The company's report ↗Revenue for Q2 2026: $5,292M, −4% y/y. In the report's figures: segments down: Product −18% y/y. Based on the Q2 2026 report.
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